Legal Agreements
- • Terms of Service
- • Privacy Policy
- • Cookie Policy
- • Every Thread Business Debit Cardholder Agreement
- • Every Thread Business Deposit Agreement
- • Electronic Communications Agreement
- • Helium General Disclosures
- • Every Partnership with Helium
- • Every Debit Cardholder Agreement
- • Debit Card Rewards Terms of Service
- • Partners Terms of Service
- • Every Thread FSA Business Deposit Agreement
Every Privacy Policy
At Every.io (“Every”), we take your privacy seriously.
If you visit any of Every’s websites, download, or use the Every App, or use any of Every’s related services (collectively, the “Services”), Every will ask for, collect, and store personal information about you (your “Personal Data”). We would be unable to provide our Services to you without the Personal Data you provide us, which is why we take our responsibility to protect your Personal Data very seriously. We also want to make very clear how we use your Personal Data so that you can make informed choices about your use of our Services.
This document (our “Privacy Policy”) explains how we collect and use your Personal Data, how and with whom we share your Personal Data, and how we protect your Personal Data. This Privacy Policy applies to the Every websites (the "Website"), the Every App and all related services we may provide you, and is subject to the Every Terms of Service available at https://www.every.io/termsofservice. All undefined and capitalized terms have the same meaning as the terms used in the Every Terms of Service. If you have questions about this Privacy Policy, or have suggestions for how we can improve it, please contact us at support@every.io.
If you do not want us to collect Personal Data from you or share Personal Data with any third parties or otherwise disclose your Personal Data, you should not access our Website, download or use the Every App, or use our Services.
1. Personal Data We Collect. In the table below, you will find a list of categories of Personal Data that Every collects, and some examples to help you better understand each category. We have also identified the main sources and purposes for collection:
2. Personal Data Shared with Third Parties. Except as described in this Privacy Policy and unless you give us permission in writing, Every will never share, sell, or communicate your Personal Data to or with anyone for any reason. We only share and disclose your Personal Data with the companies listed in the table below. We have categorized each company type to help you understand why we collect your Personal Data.
3. Cookies and Trackers. We also use cookies and other activity tracking tools to help the Every App and the Services work better. The cookies and the tools allow us to:
• Provide you Services that allow you to email or chat with our customer service team• Perform website analytics
• Improve the relevance of the advertisements you see
• Prevent fraud and prevent attacks against our Services
• Advertise additional Every products and services, and the products and services from our partner companies we think might be of interest to you
We use cookies and trackers to assign you a unique identifier so we can record:
• Websites you visit
• Length of time the advertisement was visible
• IP Address
You can block cookies at any time using your web browser settings or Every App settings, but doing so may limit your browsing experience and your ability to use certain features of the Every App. We do not currently respond to “Do Not Track” or DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online.
Every also uses Google Analytics. The following link explains how Google uses data when you use its partners’ websites and applications: www.google.com/policies/privacy/partners/. By using the Every Services, you are providing Every your express permission to store and access cookies and other information on your computer or phone and to use Google Analytics in connection with such activities. Please read the information at the link provided so you understand what you are agreeing to.
4. Updating Your Personal Data. While we make every effort to ensure that all Personal Data we collect and store is accurate, complete, and up-to-date, you can help us by promptly notifying us if there are any changes to your information. You will be able to view and change aspects of your Personal Data by logging in to your Every Account.
5. California Privacy Rights. If you are a California consumer, you have the right under the California Consumer Privacy Act (“CCPA”) to make the following choices regarding our use and disclosure of your Personal Data:
• Right to know. You may request, up to twice in a 12-month period, the following information about ○ the Personal Data we have collected, used, disclosed or sold about you during the past 12 months:
○ the categories and specific pieces of Personal Data we have collected about you;
○ the categories of sources from which we collected the Personal Data;
○ the business or commercial purpose for which we collected the Personal Data;
○ the categories of third parties with whom we shared the Personal Data; and
○ the categories of Personal Data about you that we disclosed for a business purpose and sold to third parties, and the categories of third parties to whom the information was disclosed or sold.
• Right to delete. You may request that we delete the Personal Data we have collected from you, subject to certain limitations under the CCPA.
• Right to opt-out from sale of Personal Data. You have the right to opt-out of the sale of your Personal Data. We do not sell your Personal Data.
• Non-discrimination. The CCPA provides that we may not discriminate against you for exercising these rights.
To submit a request to exercise any of these rights, you may contact us be emailing support@every.io or mail a letter to us at Every, Inc. 2261 Market Street #4305 San Francisco, CA 94114. We will attempt to verify your identity before responding to your request by verifying that the email address you used to send the request matches the email address that we have on file, asking you to log into your Every Account, or by requesting identifying information about you that you have provided to us in the past.
Consumer Request by an Authorized AgentIf any authorized agent (such as a lawyer) submits a consumer request under the CCPA on your behalf, we require the authorized agent to submit the following information so that we can confirm their authority to act on your behalf:
• Evidence of authorization to act on behalf of the California consumer: (1) California Secretary of State authorization, (2) notarized written permission from the California consumer, or (3) power of attorney.
• Evidence of identity of the California consumer: (1) first and last name, (2) email address, and (3) Every Account password.
6. How We Protect Your Privacy. We are committed to protecting the privacy and confidentiality of your Personal Data. We limit access to your Personal Data to our authorized employees, agents or subcontractors and we contractually require our business partners and service providers to limit their use of your Personal Data solely for the purposes listed in the table in Section 2. We also maintain physical, technical, and administrative safeguards to protect your Personal Data against loss, misuse, damage or modification, and unauthorized access or disclosure.
7. Retention of Personal Data. We retain Personal Data to the extent necessary to carry out the processing activities described in this Privacy Policy to comply with applicable laws, regulations, rules and requests of relevant law enforcement and/or other governmental agencies; and to protect our rights, property, or safety, and the rights, property, and safety of our employees, users and business partners.
8. Third-Party Links. The Every Website and the Every App may contain links to other websites or apps. This Privacy Policy does not apply to your access to and use of the linked websites. Your access and use of the linked websites is governed by the privacy policies of those third-party websites. We are not responsible for the Personal Data practices of such third-party websites. Please review the privacy policies of the third-party websites before you visit them or disclose your Personal Data to them.
9. Children’s Privacy. The Every Websites and the Every App are not intended for children. We do not knowingly collect, use, sell, or share any Personal Data from anyone under the age of 16. If we become aware that a child under the age of 16 has provide Personal Data to us, we will delete it.
10. Changes to this Privacy Policy; Other Policies. We may change this Privacy Policy from time to time to reflect changes about how we collect, use, and share Personal Data. The revised Privacy Policy will become effective as soon as we post it to the Every Website, or when we notify you through the Every App or through email. If you continue to use the Every Website and the Every App after we make any changes to this Privacy Policy, then it means that you accept and agree to the changes, so please check this Privacy Policy periodically for updates.
11. Contact Us. If you have any questions or concerns about this Privacy Policy, please contact us at support@every.io.
*Every is not a bank. Banking services provided by Thread Bank, Member FDIC. The Every Visa Business Debit Card is issued by Thread Bank, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.
For Every customers with deposit accounts on Thread Bank, your deposits qualify for up to a maximum of $2,500,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at go.thread.bank/sweepdisclosure and a list of program banks at go.thread.bank/programbanks. Please contact customerservice@thread.bank with questions on the sweep program.”
**Terms and conditions apply to the Cashback rewards program. Cashback earned will be credited to your account daily. ATM transactions, the purchase of money orders or cash equivalents, and account funding made with your debit card are not eligible for Cashback. Please refer to the Rewards Terms and Conditions for more details. No minimum opening deposit or minimum balance required.
***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://go.thread.bank/sweepdisclosure and a list of program banks at https://go.thread.bank/programbanks. Please contact customerservice@thread.bank with questions regarding the sweep program.
[1]Yield is an annualized 4-week T-bill rate when held to maturity as of [08/21/24] [date must be within the last 7 days] . The rate shown is subject to price fluctuation and is net of fees. T-bills are purchased at a discount to par (par= $1,000), with the price being subject to market fluctuation. The amount of T-Bills available at a particular yield will depend upon the sellers’ offer size; any remaining cash balance after the purchase may not earn the same yield. In general the bond market is volatile, and fixed income securities carry interest rate risk. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income securities also carry other risks, including inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties.
[2]Yield as of [08/21/24]. The SEC yield for a money market fund is calculated by annualizing its daily income distributions for the previous 7 days. You should consider the investment objectives, risks, charges, and expenses of a money market fund carefully before investing. This and other information is found in the fund’s prospectus. Please read the prospectus before investing. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund. Yields fluctuate and past performance is no guarantee of future results.
[3] Atomic Invest LLC (“Atomic”), through a clearing relationship with Pershing LLC (“Pershing”) offers a cash sweep program. Funds in transit to or from Program Banks are generally not FDIC-insured. The Sweep Program is administered by Pershing, LLC. Deposits at each Program Bank are insured by the FDIC up to $250,000 for each insurable capacity. Based on eligibility criteria, the two FDIC-insured programs (“Bank Deposit Programs”) offered are 1) Dreyfus Insured Deposits (DIDI) and 2) Liquid Insured Deposits. Funds deposited into each sweep program, in aggregate, are eligible for up to $2,500,000 of FDIC insurance. The sweep programs can be configured so that once the funds reach one or more Program Banks (up to $250,000 for each insurable capacity at up to ten Program Banks), then the next Bank Deposit Program is initiated. Although certain types of accounts, such as trust accounts may be eligible for additional FDIC insurance based on the number of beneficiaries, funds will be allocated to each Program Bank in such a way that provides up to $250,000 of FDIC insurance for individual accounts and $250,000 of FDIC insurance for trust and other corporate account types, in each case per Program Bank. If clients elect to exclude one or more Program Banks from receiving deposits the amount of FDIC insurance available through the Atomic Invest account may be lower. Clients are responsible for monitoring their total assets at each Program Bank, including existing deposits held at Program Banks outside of the Atomic Invest account, to ensure FDIC insurance limits are not exceeded, which could result in some funds being uninsured. For more information on FDIC insurance please visit www.FDIC.gov. Deposits held in Program Banks are not protected by SIPC. For more information see Pershing’s Terms and Conditions and the Atomic Invest Form ADV Part 2A.
Every, Inc. has an engagement with Atomic Invest, LLC (“Atomic Invest”), an SEC-registered investment adviser, to bring you the opportunity to open an investment advisory account. Investment advisory services are provided by Atomic Invest. Companies which are engaged by Atomic Invest receive compensation of 0% to 0.85% annualized, payable monthly, based upon assets under management for each referred client who establishes an account with Atomic Invest (i.e., exact payment will differ). Atomic Invest also shares a percentage of compensation received from margin interest and free cash interest earned by customers with Every, Inc.. Every, Inc. is not a client of Atomic Invest, but our engagement with Atomic invest gives us an incentive to refer you to Atomic Invest instead of another investment adviser. This conflict of interest affects our ability to provide you with unbiased, objective information about the services of Atomic Invest. This could mean that the services of another investment adviser with whom we are not engaged could be more appropriate for you than Atomic invest. Neither Atomic Invest nor Atomic Brokerage, LLC (FINRA registered broker-dealer and member of SIPC), nor any of their affiliates is a bank. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Investing involves risk, including the possible loss of principal.
Before investing, consider your investment objectives and the fees and expenses charged by Atomic Invest and/or Atomic Brokerage. Advisory services through Atomic Invest are designed to assist clients in achieving a favorable outcome in their investment portfolio. They are not intended to provide tax advice or financial planning with respect to every aspect of a client’s financial situation and do not include investments that clients may hold outside of Atomic Invest. For more details about Atomic Invest and/or Atomic Brokerage, please see the Form CRS, Form ADV Part 2A, the Privacy Policy, and other disclosures. Custodial and clearing services are provided to Atomic Invest and Atomic Brokerage by Pershing LLC.